Write a review

Go to business site

Nationwide: Credit card reviews

Name: Credit card
Rating: 4.17 (199 reviews)

View other Nationwide products

4.10

Based on 199 reviews, last reviewed 20th Oct 2025

75% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

60%

22%

11%

Latest highest rating:

4

RAHAL saved the day On the weekend 17/18/19/October I tried to apply for an online Nationwide credit card. But filled in the form unknowingly incorrectly and was refused ... Read more Reviewed on: 20th October 2025

Latest lowest rating:

1

Don't believe their hype I have a credit limit of £5000 on a credit card. Never use it all, always only about £1200. So this month paid an amount (that was the full amount) of... Read more Reviewed on: 29th January 2025

Read all reviews Write a review

About this product

Nationwide’s purchase and balance transfer credit card offers 0% interest on all purchases and balance transfers for 15 months.

The 0% interest also applies to spending abroad. You can apply if you have a Nationwide current account, savings account or mortgage. You can’t apply if you already have a Nationwide credit card.

Nationwide credit card reviews help you find out what it’s really like to be a customer. If you’ve used Nationwide before, you can also leave a review and share your experience.

Review Nationwide: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Nationwide Credit card reviews (199)

Best cash back credit card

I have been using nationwide credit for few years now and I can say this is the best cash back credit card on market. It gives some incentive if you are new customer and then 0.50% whixh sounds like little but it adds a lot in a year. I have received £100 last year. The customer service is superb. Reviewed on: 28th March 2016

GOOD

Applied for a credit card and found it quick and easy and got a good repayment rate. Only slight hold up was that I had to visit branch with ID but once this was done the card arrived quickly Reviewed on: 28th March 2016

the credit you need and can afford no more no less

I never wanted a credit card (still don't) but I find I need one for travel these days. nationwide gave me what I wanted with out pushing me to take additional credit. Perfect Reviewed on: 19th February 2016

Good cashback

Use this card for all my purchases and each year get a nice surprise of cash back just before Christmas. Recommend as a result. Reviewed on: 24th December 2015

Spending with Cashback!

Great credit card which gives cashback on spending. No interest to pay when you pay the balance each month. Easily transfer payment through Nationwide's excellent online banking system. Recommended. Reviewed on: 21st November 2015

Excellent Service

I recently applied for a credit card with Nationwide as I wanted to improve my credit rating. I went into my local branch and was able to speak to someone straight away and apply for the card. The rates and terms were all explained well and he also helped me to set up paying off my outstanding balance at the end of the month so I would not have to pay any interest. I was very happy with the service provided and after having the card for several months now have had no problems. Reviewed on: 28th August 2015

Targeting the vulnerable.

I will never forgove Nationwide for calling me into branc the day I turned 18 and giving me a £2000 overdraft and £3000 credit card. Irresponsible lending at its worst! 5 years later and I'm still paying it all off! Reviewed on: 26th August 2015

.5% cash back, never any problems, good currency rate abroad

I have the "select" half percent cash back card, buying on this card, as long as you pay it in full every month, gives a nice little boost at the end of the year. There are never any problems with card payments e.g. late, doubled, missing or declined in error. They have a really good euro rate when you use the card to buy in Europe. They have a good, easy-to-use website and the staff are always helpful. Reviewed on: 27th April 2015

A good all rounder

A good all round card that has a sensible limit, some benefits and a reasonable rate. Not spectacular, but nice and stable. Reviewed on: 20th October 2014

Do you have a different Nationwide product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Everyday Credit Card
from Santander 3.94 from 19 reviews
Credit card
from Jaja Finance 1.37 from 141 reviews
Opus Credit Card
from NewDay 5.00 from 3 reviews

Want to see more from Nationwide?

Student Current Account
from Nationwide 5.00 from 5 reviews
Regular Savings
from Nationwide 4.73 from 79 reviews
Cash ISA
from Nationwide 4.71 from 61 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub